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There is a common misconception that homeownership is not attainable for single people or families facing setbacks. Those setbacks could be personal or financial, but regardless of their nature, they often leave potential homebuyers feeling lost and defeated. But real estate agent Janet Esau is ready to help change that narrative for the better by helping you understand the benefits of a Rent-to-Own home with Clover Properties.

When dealing with difficulties such as debt or bankruptcy, it can become challenging to see the light at the end of the tunnel. If you may be facing rejection by the banks, Rent-to-Own Smart real estate agent Janet is sympathetic and optimistic she can help you fulfill your dreams of homeownership, even if you’re struggling with these 5 setbacks she has outlined below.

1. Accumulated Debt 

Debt can come from various sources, like credit cards, student loans, medical, or even taxes. The stress that comes along with financial debt can take a toll on you and often alters your confidence and ability to think positively. The Clover Properties Rent-to-Own program can give you the time you need to pay down debt, while you enjoy living in the home you’ll own.

2. Unwanted Bankruptcy 

In situations where debt to creditors cannot be repaid, you may find yourself in the undesirable situation of filing for bankruptcy. The impact of claiming bankruptcy is difficult to navigate as it can leave you feeling hopeless and dependent on others. If you’ve been discharged from a bankruptcy or consumer proposal, the Clover Properties Rent-to-Own program is designed to help stop renting and move into a home you will own.

3. Employment Layoffs 

Being laid off from a job is an emotionally draining situation that usually happens swiftly and without warning. After a layoff, you may have found yourself quickly chipping away at your savings, and as a result, like most people, you end up scrambling to make ends meet. Once you’re back to work, the Clover Properties Rent-to-Own program can help you put money back in your pocket and get ahead financially.

4. Unexpected Illness or Injury 

If you suffered an accident or injury, you could be forced to take leave from the job. If this occurs, it is common to see a negative impact on your personal finances. This is especially true if you don’t have insurance coverage or a backup plan in place. Like many people, you may try to keep up with bills and credit card payments, but understandably may fall behind. If your credit rating was negatively affected during this setback, the Clover Properties Rent-to-Own program can help you repair your credit and create stability while you’re living in a home you want to own.

5. Recent Divorce 

Going through the motions of a recent divorce is not only emotionally and physically difficult, but it can also often drain your bank account. Lawyers’ fees are often to blame, along with unforeseen costs that pop up and unexpectedly drain savings. If you’re determined to make an amazing fresh start, the Clover Properties Rent-to-Own program may be your next best move. You will get the time you need to restore your credit and build up a bigger down payment. Most importantly, you can set down roots for a new life.

No Opportunity for a Mortgage? 

As the seasons begin to change, there is a renewed sense of growth and opportunity for Clover Properties to expand our ever-growing network of preferred real estate agents across Ontario. We are excited to share how these amazing real estate agents and certified Rent-to-Own Smart Advisors can help you.

When you start house-hunting for your Rent-to-Own home, you’ll work with a real estate agent that will align your needs with our deferred purchase program. This can save you a lot of time and make your whole experience smoother. The real estate agents we feature in these blogs are just a few of the caring professionals who can advise you on our Rent-to-Own program before or during the house-hunting process:

Meet Janet Esau.

Janet understands how setbacks can impact a family’s decision to become a homeowner

Janet began her career in hospitality, but when overtime hours began to impact her home and personal life, she knew it was time for a positive change. As a Rent-to-Own specialist, Janet has succeeded in helping individuals and families who have experienced setbacks in life that prevent them from becoming a homeowner. As someone who has gone through this Rent-to-Own program herself, Janet understands first-hand how Clover Properties can help families like hers become homeowners.

For Janet, the ideal buyer for a Rent-to-Own home is one that does not take ‘no’ for an answer. She wants potential homeowners to know that life challenges and setbacks like bankruptcy or debt shouldn’t stop you from reaching your dreams. These circumstances don’t have to be seen as a barrier to homeownership. Instead, it means changing your approach to secure a home and still follow your dreams. If you’ve been turned down for a mortgage by the banks or private lenders, Janet urges you not to take ‘no’ for an answer and explore the Rent-to-Own path. You’ll be glad you did.

Inspire your journey to homeownership with our Rent-to-Own real estate agents

The real estate agents at Clover Properties all embody unique qualities that make them a pleasure to work with. Get in touch with Janet today by clicking here. 

Have you been turned down for a mortgage in Ontario? Are you ready to stop renting and start owning?  We at Clover Properties can help. No fees. No nonsense. Get in touch today and we’ll set you up with one of our amazing agents, like Janet.